The primary goals are: to consolidate payment and software systems in a way that results in scope reduction and enhanced security; to create a centralized interface
for management and control; and to create useful business software that is easy to use and solves real needs.

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Enhance your company's payment processing system with the Paywire advantage

We don't just install someone else's software - we build you a system from the ground up, customized to meet your individual needs.

PA-DSS Compliance

The PA-DSS compliance deadline was July 1, 2010, as imposed by VISA. If a merchant is not using PA-DSS compliant systems by this date, then they
are not technically compliant with PCI standards.

PA-DSS compliance can be cost prohibitive for many software developers - certification costs can easily exceed $20,000 per each new software version. Paywire eliminates
these costs by allowing developers to write systems that interface with our software in a way that does not touch card data.

Tokenization

The risks associated with storing credit card data are unacceptable for most merchants. However, there are many instances where cards have to be
stored and processed at later intervals, which often makes card data storage unavoidable for many. Many merchants could not stay in business if they didn't have the
ability to bill customers on a recurring basis, because mailing and collecting bills is cost prohibitive.

Credit card tokenization is the solution to these issues. Instead of storing the actual card data, the merchant can store a unique identifier. The card data is stored
off site and is accessed using the unique identifier. Examples of merchants who would benefit from card tokenization:

Merchants who bill for subscriptions or memberships on a monthly recurring basis.

Merchants who need to store credit cards for clients who are using their services on a regular basis.

Lodging merchants who need to pre-authorize and store cards for processing when the customer's stay is complete

PayCharge 4.2

Paywire’s PayCharge software is a PA-DSS certified Windows application for processing credit cards, gift cards, EBT, online debit cards, and ACH.
The software is provided free of charge to Paywire merchants. There is also a software developers interface to the software that allows applications to
interface without touching card data.

The software works with either flat file or an MS SQL database. The user interface is designed to easily pop up over an existing application via always-on-top coding.
The program is customizable to use, as to capturing custom data and has file import and export features for interfacing with external programs.

E-Commerce Hosting

Paywire’s DB|Wired division offers web hosting services including E-Commerce hosting and support. With a Paywire merchant account and associated
integration with one of our payment gateways. Paywire and DB|Wired can provide a turnkey solution for Internet payment processing. In addition, DB|Wired has developed
and hosted many custom applications including:

Cloud Computing

There is a shift currently occurring away from client-server computing towards accessing externally hosted programs via a web browser.
The bulk of the IT infrastructure is moved offsite into the “cloud” - which is just another word for the Internet. The idea is that by moving applications off-site,
the cost and complexity of maintaining and supporting systems is greatly reduced. When applications are moved off site, so too are the payment processing components,
which creates a whole new set of security and availability challenges. Paywire and DBWired have the tools and experience to meet these challenges.

Vertical Market Software

Paywire has integrated its processing systems and technologies into many vertical market software applications. As a result Paywire is well suited
in finding a payment solution for many specialized needs. Vertical markets Paywire services through its developer partnerships include: